Is my credit rating feeling better?

mcgowana

Hi,

I was declared bankrupt 02/08 and discharged shortly afterwards. I also had a CCJ on there which, I understood, was going to stay on there for 6 years. The company I owed money to refused to lift it unless I paid ALL the money back.

Over the last couple of years I have tried to get credit, only to see if I could and also to try and build up a credit rating, but was always flatly refused. I have changed my ways so I can't see why I am judged on the past. After all its ok to bail out countries and banks!

Anyway, Today I applied for a Littlewoods catalogue account and was, after a few minutes, given a £400 credit limit. Was this a mistake by them? Will they withdraw this after more checks?

I have no interest in having credit but was wondering if things have changed early, I thought I would have to wait 6 years.

Thanks,

Andy

endora

Could be because their credit search only covered the last 3 years.

As it's a catalogue account with a low limit they may not have gone back the full 6 years.

JustinCredibleGillespie

I actually thought that even if you had a CCJ and the debt was included in your bankruptcy then they'd HAVE to, by law, mark it as settled or satisfied??

JCG

xx

mcgowana

JustinCredibleGillespie wrote: »

I actually thought that even if you had a CCJ and the debt was included in your bankruptcy then they'd HAVE to, by law, mark it as settled or satisfied??

JCG

xx

I thought that too at the time but appaently not. I found this out when opening a new bank account after I was discharged. Beware people!

I contacted the firm who started the CCJ, even offering some of the money back, but they would only make it "satisfied" if they got all the money back. All or nothing.

Maybe the CCJ has come off early but, as with most things in life, I have to PAY to see MY own credit rating!

Andy

PippaGirl_2

Unless you use Noddle?

Though I am not sure how good or effective Noddle is.

tigerfeet2006

Have a look at the CRA clean up sticky

https://forums.moneysavingexpert.com/discussion/677875

Start with that and then you can start looking at sorting out getting those lovely green ticks.

RunbeforeIcanwalk

mcgowana wrote: »

I thought that too at the time but appaently not. I found this out when opening a new bank account after I was discharged. Beware people!

I contacted the firm who started the CCJ, even offering some of the money back, but they would only make it "satisfied" if they got all the money back. All or nothing.

Maybe the CCJ has come off early but, as with most things in life, I have to PAY to see MY own credit rating!

Andy

I had a CCJ applied AFTER bankruptcy only found out today when looking at Noddle. Not happy at all. Cant believe they can get away with what they do. Hope your CCJ has come off now you are BR

shelly1965

Quite bizarrely i had a littlewoods accounts for little over 20 years and pre br didn't owe anything, account clear. I had a £4300 credit limit, which after br knew this was too high. I telephoned them out of curtosey. They informed me that because of me notifying them of my br, they can no longer except me as a customer, even though i never owed them a penny. That was that.

Yet i have fashion world catalogue and that was before my br finished. Strange how these companies work.